Most store credit cards will not explicitly come out and tell you they accept people with bad credit (though some will). However, many credit cards are offered with interest rates that are so high (over 25% is the standard we use), it is obvious they are figuring on accepting people with less-than-perfect credit. If you have bad credit, these are some of the easiest store credit cards to get:
> Fingerhut Credit Card ++ – Internet/catalog store has a long history of working with people who’ve had “credit challenges in the past.” You can finance a variety of items from its extensive catalog of clothing, electronics, home furnishings, more.
> Amazon.com Store Card – Not to be confused with the Amazon Visa from Chase, this credit card issued by Synchrony Bank is only accepted at Amazon.com, and its 26.49% interest rate suggests your bad credit might be OK. Offers special financing on large purchases, and if you are an Amazon Prime member, you’ll get 5% off your Amazon purchases.
> Best Buy Credit Cards – The 25.74% interest rate on this electronics/appliance superstore’s card suggests bad credit is probably OK. Offers a Visa that you may qualify for if your credit isn’t too bad, or a Best Buy store-only card if it is too bad.
> GAP Credit Card – The 25.49% interest rate suggests they are casting a wide net, including catching some bad credit customers. This store card is good at more than one store: use it to buy (and earn rewards) at GAP, Old Navy, Banana Republic, and Athleta.
> HHGregg Credit Card – This appliance/electronics/furniture superstore is very open to bad credit customers. In fact, if you don’t qualify for the standard HHGregg credit card with its whopping 29.99% interest rate, they’ll move on to try to get you into a rent-to-own situation that will cost you even more. They’re OK with your bad credit, but be sure you can handle the terms of their offer.
> JCPenney Credit Card – The 26.99% interest rate tells you that this department store credit card will accept plenty of people with shaky credit. You’ll get 15% off your purchases on the very day you are approved, even before you have the card in hand, plus you’ll get some cardholder-only discounts throughout the year.
> Lowe’s Credit Card – This home improvement retailer offers a credit card with a high 26.99% interest rate, which usually means a good number of customers with average or bad credit are getting approved. Get the card for 5% off all Lowe’s purchases or special financing on larger purchases.
> Macy’s Credit Card – This store card’s 25.74% interest rate is a giveaway that it might just accept you even with bad credit. If approved instantly, you’ll get 20% off your purchases with the card today and tomorrow, for up to $100 in savings. After that, the benefits mostly amount to occasional discount offers by mail or by e-mail.
> Sears Credit Cards – Sears offers a MasterCard and a store-only card. Which you qualify for will depend on just how bad your credit is, but its high 25.74% interest rate indicates that bad credit customers can probably be approved for at least one of these. If you apply and are approved and use the card today, you’ll get either $10 (store card) or $15 (MasterCard) off your first card purchase.
> TJX Rewards MasterCard or Store Card – This credit card is accepted at the TJX family of stores, which includes TJ Maxx, Marshalls, HomeGoods, and Sierra Trading Post. It offers $10 in rewards for every $200 you spend at TJX stores, and, if your credit isn’t too bad, you can qualify for the MasterCard and earn points on purchases outside TJX as well. The 27.49% interest rate is painful, but it also indicates bad credit is not necessarily a deal killer.
> Victoria’s Secret Angel Credit Card – It’s only accepted at Victoria’s Secret, but its high 25.49% interest rate suggests it is probably OK for many bad credit customers. Has a points program that can lead to reward cards good at their stores, but be careful because you lose your points if you don’t use the card for 12 straight months.